The Community Bank in Zanesville, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Community Bank - Overview

  • General
  • FDIC Certificate #: 5981
    Status: Active
    Federal Reserve ID: 729011
    Bank Holding Company (Regulatory Top Holder): Communitybanc, Inc. (RSSDID: 1249682, Location: Zanesville, OH)
    Date Established: July 28, 1902
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 13010
    FDIC's unique #: 4056
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 09, 2009
    Last Structure Change Process Date: December 17, 2009
    Last Data Update: December 17, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 113 North Fifth Street, Zanesville, OH 43701
    County: Muskingum
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Columbus
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Zanesville, OH (#49780)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Corrections
    Change in Location
  • Financial Summary
  • Total assets: $275.3 mil
    Equity capital: $24.8 mil
    Deposits held in domestic offices: $248.8 mil
    Return on assets (ROA): 0.63% ($1.7 mil)
    Quarterly return on assets: 0.56% ($1.5 mil)
    Return on Equity (ROE): 7.47% ($1.9 mil)
    Quarterly return on equity: 6.36% ($1.6 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.78% ($2,147.0 mil)
    Quarterly Pretax return on assets: 0.69% ($1,899.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 88Total employees (full-time equivalent)
  • $275,259Total assets
  • $14,398Cash and due from depository institutions
  • $5,013Interest-bearing balances
  • $71,342Securities
  • $1,348Federal funds sold & reverse repurchase agreements
  • $169,936Net loans & leases
  • $2,493Loan loss allowance
  • $0Trading account assets
  • $7,347Bank premises and fixed assets
  • $475Other real estate owned
  • $2,360Goodwill and other intangibles
  • $275,259Life insurance assets
  • $8,053All other assets
  • $250,472Total liabilities and capital
  • $248,761Total liabilities
  • $217,535Total deposits
  • $248,761Interest-bearing deposits
  • $79Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,711Subordinated debt
  • $24,787All other liabilities
  • $24,787Total equity capital
  • $24,787Total bank equity capital
  • $0Perpetual preferred stock
  • $620Common stock
  • $12,150Surplus
  • $12,017Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,307Income earned, not collected on loans
  • $0Earning assets
  • $1,159Long-term assets (5+ years)
  • $247,639Average Assets, year-to-date
  • $177,458Average Assets, quarterly
  • $259,449Volatile liabilities
  • $274,515Insider loans
  • $158,413FHLB advances
  • $278,251Loans and leases held for sale
  • $4,742Unused loan commitments
  • $4,742Tier 1 (core) risk-based capital
  • $22,321Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $30,722Restructured Loans and leases
  • $2,126Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,176Total interest income
  • $2,790Total interest expense
  • $10,386Net interest income
  • $1,500Provision for loan and lease losses
  • $2,862Total noninterest income
  • $432Fiduciary activities
  • $994Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,436Additional noninterest income
  • $9,725Total noninterest expense
  • $4,360Salaries and employee benefits
  • $1,626Premises and equipment expense
  • $3,739Additional noninterest expense
  • $2,023Pre-tax net operating income
  • $6Securities gains (losses)
  • $384Applicable income taxes
  • $1,645Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,645Net income attributable to bank
  • $0Net charge-offs
  • $1,645Cash dividends
  • $788Sale, conversion, retirement of capital stock, net
  • $550Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.65%Yield on earning assets
  • 1.20%Cost of funding earning assets
  • 4.45%Net interest margin
  • 1.23%Noninterest income to earning assets
  • 4.17%Noninterest expense to earning assets
  • 0.63%Net operating income to assets
  • 0.63%Return on assets (ROA)
  • 0.78%Pretax return on assets
  • 7.47%Return on equity (ROE)
  • 4.97%Retained earnings to average equity (YTD only)
  • 0.47%Net charge-offs to loans
  • 190.36%Credit loss provision to net charge-offs
  • 4.47%Efficiency ratio
  • 71,452Assets per employee
  • 3.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 33.43%Loss allowance to loans
  • 1.45%Loss allowance to noncurrent loans
  • 108.06%Noncurrent assets plus other real estate owned to assets
  • 1.01%Noncurrent loans to loans
  • 1.34%Net loans and leases to deposits
  • 68.31%Net loans and leases to core deposits
  • 71.00%Equity capital to assets
  • 9.00%Core capital (leverage) ratio
  • 8.02%Tier 1 risk-based capital ratio
  • 14.09%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $259,449Average earning assets
  • $22,036Average equity
  • $233,207Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $51,492Managed Assets
  • 1Number of Accounts
  • $51,492Personal trust and agency accounts
  • $15,975Employee benefit-defined contribution accounts
  • $1,721Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $22,927Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $9,006Other fiduciary accounts
  • $1,863Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 112Number of Accounts
  • $0Personal trust and agency accounts
  • $22,927Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 7 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04056The Community Bank113 North Fifth Street, Zanesville, OH 43701July 28, 1902Full Service Brick and Mortar
    1208576South Office2750 Maysville Pike, South Zanesville, OH 43701January 16, 1988Full Service Brick and Mortar
    2208577West Office3960 Dillon Falls Rd, Zanesville, OH 43701December 29, 1997Full Service Brick and Mortar
    3366331North Office3795 Northpointe Drive, Zanesville, OH 43701Febuary 11, 2003Full Service Brick and Mortar
    4452222East Office4990 East Pike, Zanesville, OH 43701June 02, 2006Full Service Brick and Mortar
    5469179Crooksville Branch42 East Main Street, Crooksville, OH 43731November 06, 2007Full Service Brick and Mortar
    6491963Frazeysburg Office Branch10 W Third Street, Frazeysburg, OH 43822April 22, 2009Full Service Brick and Mortar

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